A forum for van conversions, van living and travel

Author Topic: insurance conundrum  (Read 334 times)

richy244

  • Newbie
  • *
  • Posts: 1
  • Karma: +0/-0
    • View Profile
insurance conundrum
« on: July 01, 2019, 04:04:29 PM »
Hi there
Im looking to move into a motorhome in the next few months but im unsure of whether to get full timing insurance or not. I heard its alot more expensive and some insurers are unwilling to offer it. does anyone have any expereince or advice on this? Regards Rich

Camper_Dan

  • Sr. Member
  • ****
  • Posts: 493
  • Karma: +15/-87
  • 20+ years of Life On Wheels
    • View Profile
Re: insurance conundrum
« Reply #1 on: July 01, 2019, 07:59:58 PM »
Greetings & Welcome!

There's a lot of variables involved here that you're not telling us... Like year, make, model, & value of the motorhome, and the value of the contents.

I've never paid over $2500 for a motorhome, and the contents would never be worth over that either, except maybe in sentimental value, which can't be replaced or compensated for anyway.  So a $5000 replacement fund is my insurance policy, along with a $5000 emergency fund.  Plus I have money in the bank if I need it.  So I just have liability insurance, because the insurance company wouldn't pay me diddly anyway.  This choice probably saves me two or three hundred dollars a month, and if I need it, the money is available instantly rather than waiting around for some insurance company to screw me over.

Cheers!


My negative karma ratings reflect the number of spammers,
scammers and bad advice that I've exposed, feel free...

Camper_Dan

  • Sr. Member
  • ****
  • Posts: 493
  • Karma: +15/-87
  • 20+ years of Life On Wheels
    • View Profile
Re: insurance conundrum
« Reply #2 on: July 19, 2019, 08:57:44 PM »
bump to foil spammers
My negative karma ratings reflect the number of spammers,
scammers and bad advice that I've exposed, feel free...